The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$33,531
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,574
−HK$1,060/mo
Today · 4.125%
HK$35,634
baseline
▲ 0.50% · 4.625%
HK$37,802
+HK$2,168/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$71,268/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,303
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,303
−HK$1,015/mo
Today · 4.125%
HK$39,318
baseline
▲ 0.50% · 4.625%
HK$41,391
+HK$2,073/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$78,636/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,237
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,489
−HK$1,271/mo
Today · 4.125%
HK$42,760
baseline
▲ 0.50% · 4.625%
HK$45,362
+HK$2,602/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$85,520/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,763
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$45,964
−HK$1,218/mo
Today · 4.125%
HK$47,182
baseline
▲ 0.50% · 4.625%
HK$49,669
+HK$2,487/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$94,364/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,943
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$48,403
−HK$1,484/mo
Today · 4.125%
HK$49,887
baseline
▲ 0.50% · 4.625%
HK$52,922
+HK$3,035/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$99,774/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,224
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,624
−HK$1,421/mo
Today · 4.125%
HK$55,045
baseline
▲ 0.50% · 4.625%
HK$57,947
+HK$2,902/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$110,090/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,356
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$62,233
−HK$1,907/mo
Today · 4.125%
HK$64,140
baseline
▲ 0.50% · 4.625%
HK$68,043
+HK$3,903/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$128,280/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,145
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$68,946
−HK$1,827/mo
Today · 4.125%
HK$70,773
baseline
▲ 0.50% · 4.625%
HK$74,503
+HK$3,730/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$141,546/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,433 · Scale 2, in force from 26 Feb 2026)